Barclays vs. Zynlo Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
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Summary of Barclays vs. Zynlo Bank
Key Metrics at a Glance
| Feature | Barclays | Zynlo Bank |
|---|---|---|
| Top Savings APY | 4.10% Tiered Savings | 4.20% Tomorrow Savings Account |
| Minimum to Open | $0 | $10 |
| Minimum Balance for Top APY | $250,000 | $0.01 |
| Note | The 4.10% APY is only available for balances over $250,000. For lower balances, the APY is 3.90%. |
Barclays
Strengths
- Barclays offers a Tiered Savings account with a 4.10% APY for balances over $250,000.
- Barclays has a strong BBB rating of A+ and is BBB Accredited.
- Barclays has higher App Store and Google Play ratings at 4.8 and 4.7 respectively.
Potential Drawbacks
- Barclays requires a $250,000 minimum balance to earn the highest APY.
- Barclays does not have any physical branches.
Zynlo Bank
Strengths
- Zynlo Bank provides a Tomorrow Savings Account with a competitive 4.20% APY.
- Zynlo Bank has a low minimum deposit requirement of $10.
Potential Drawbacks
- Zynlo Bank's APY decreased from 4.35% in the last 30 days.
- Zynlo Bank is not BBB Accredited despite having an A+ rating.
- Zynlo Bank has lower App Store and Google Play ratings at 4.0 and 3.5 respectively.
→ As of October 21, 2025 Barclays offers an APY of 4.10% for its Tiered Savings account, with a minimum balance of $250,000, compared to Zynlo Bank's 4.20% APY for its Tomorrow Savings Account, with a minimum balance of $0.01.
→ Zynlo Bank yields $30 more than Barclays on a $10,000 balance after one year. Barclays pays $390 (with an effective APY of 3.9%), while Zynlo Bank pays $420 - an APY advantage for Zynlo Bank.
→ In addition, Barclays also offers 3.70% APY for the Online Savings account.
Calculate Savings Growth for Barclays vs Zynlo Bank
Barclays - Tiered Savings
⚠️The higher APY only applies once your balance reaches $250,000.
Total savings breakdown:
- Interest earned: $2,370.2 (11.64%)
- Total contributions: $13,000 (63.82%)
- Initial deposit: $5,000 (24.55%)
Your total balance
$20,370.20
Total balance: $20,370.2
Earnings: $2,370.2
Bank OverviewZynlo Bank - Tomorrow Savings Account
Total savings breakdown:
- Interest earned: $2,564.3 (12.47%)
- Total contributions: $13,000 (63.22%)
- Initial deposit: $5,000 (24.31%)
Your total balance
$20,564.30
Total balance: $20,564.3
Earnings: $2,564.3
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Barclays's total earnings would be $194.1 lower than Zynlo Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Barclays' vs Zynlo Bank's Savings Accounts
| Barclays | Zynlo Bank | |||
|---|---|---|---|---|
| Product | Tiered Savings | Online Savings | vs | Tomorrow Savings Account |
| APY | 3.90% - 4.10% (as of 10/21/2025) | 3.70% (as of 10/21/2025) | 4.20% (as of 10/21/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | |
| Compound Frequency | Daily | Daily | Daily | |
| Minimum Deposit | $0 | $0 | $10 | |
| Minimum Balance for APY | $250,000 | Enough to earn $0.01 in interest | $0.01 | |
| Maintenance Fee | $0 | $0 | $0 | |
| Direct Deposit Required | No | No | No | |
| Note | The 4.10% APY is only available for balances over $250,000. For lower balances, the APY is 3.90%. | |||
| App Store Rating | 4.8/5 | 4.0/5 | ||
| Google Play Rating | 4.7/5 | 3.5/5 | ||
| BBB Rating | A+ | A+ | ||
Comparative Historical APY Insights (Last 7 Months)
| Barclays | Zynlo Bank | |||
|---|---|---|---|---|
| Product | Online Savings | Tiered Savings | vs | Tomorrow Savings Account |
| Latest APY | 3.70 % | 4.10 % | 4.20 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -2.9 | -4.7 | -0.7 | |
| Rate Changes / Mo | 0.55 | 0.68 | 0.14 | |
| Days Since Last Change | 133 | 125 | 12 | |
| High (-7 m) | 3.90 % | 4.40 % | 4.35 % | |
| Low (-7 m) | 3.70 % | 4.10 % | 4.20 % | |
| Draw-down from High | -5.1 % | -6.8 % | -3.4 % | |
| Volatility (CV) | 0.020 | 0.027 | 0.008 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 7 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-7 m)
- Highest APY in the last 219 days.
- Low (-7 m)
- Lowest APY in the last 219 days.
- Draw-down from High
- How far today sits below the 7-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.